Debt Validation Letter — Request Collection Agency to Validate Debt

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This debt validation letter requests a collection agency to validate the debt.

You can also try this letter. Confused about how to use this form – read our article on the debt validation technique. Feeling overwhelmed by the debt validation process? Call to get a free credit summary and talk to a credit repair specialist today!

Use this letter and the following form to make the agency verify that the debt is actually yours and owed by you. Keep a copy for your files and send the letter registered mail. We have more sample credit repair letters for you to use.


Your Name
Your Address

Debt Collector

Re: Collection Account #

To Whom It May Concern,

I am sending this letter to you in response to a collection notice I received from you on (date of the letter). Be advised, this is not a refusal to pay, but validation is requested. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

  • Provide a statement that matches the balance being claimed
  • Provide a list of charges that total the amount claimed in your original letter
  • Identify the original creditor

If your offices have reported inaccurate information to any of the three major Credit Bureau’s (Equifax, Experian, or TransUnion), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you.

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.


Your Signature

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